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Manning No-Interest Loan Scheme (Manning NILS) is modelled on schemes that have been operating elsewhere for over 20 years.

It enables people on low incomes to purchase household appliances, furniture, and medical equipment in a way that avoids the debt-trap of other forms of credit.

Manning NILS is an alternative form of credit, not emergency relief, and we only lend to people who are able to repay a loan without it causing financial pressure.

The money for loans comes from donations and grants. As people repay the loans, the money goes back into the loan pool for other people to borrow.

The LOCAL community benefits, as well as LOCAL businesses. Everyone that takes part helps other people, as well as improving the quality of their own life. You can also borrow again six months after you've repaid your previous loan.

People who:

1. have lived in the council areas of Greater Taree, Great Lakes, or Gloucester for at least six months, and

2. are receiving a Centrelink payment or are on a low income, and

3. can afford to repay the loan in fortnightly repayments.

Lending

From $100 up to $1,000.

Household appliances, furniture and medical equipment.

Emergency relief

General living expenses

Rent arrears

Payment of debts and bills

Second-hand goods

Recurring costs such as car rego

Car repairs

Items that other agencies provide

To discuss a loan application call the office on Monday or Wednesday instead between 9.00am and 4.30pm on 6557 8275.

If you fit the basic eligibility criteria we'll send an application form and arrange an interview. We'll give you a list of what you'll need to provide at the interview.

Loans are approved by an independent assessor instead of an in dependant volunteer committee.

Tailored to suit your budget

Debited using Centrepay

Minimum $10 a fortnight

Up to 18 months to repay

There's absolutely no charges or interest on the loans. You simply repay what you've borrowed.

Amy Hogan is the co-coordinator of the Manning No Interest Loans Scheme and June Ryan is the outreach worker who services Forster & Gloucester. They will answer any questions you may have.

Postal Address

P.O. Box 759 Taree NSW 2430

Office Location

78 Wynter Street, Taree NSW 2430

Phone

(02)  6557 8275

Fax

(02) 6552 6582

Email

nils@manningsupportservices.org.au

Manning NILS is funded by the NSW Office of Fair Trading

The loan funds are provided by:

• The Mercy Foundation

• The Ian Potter Foundation

• The Perpetual Foundation

Any donations are most welcome and donations of $2.00 and over are tax deductible. Registered Charity - CFN 14250

Be Involved in Your Community!

Are you interested in being involved in this community based organisation?

Why not join the voluntary Loans Approval Committee?

Contact the Coordinator on 6557 8275 for details.

NILS NSW home page

Centrelink Health Care Card Income Test - For Low Income Earners

Good Shepherd Sisters - Australia & Aotearoa

The Ian Potter Foundation

Mercy Foundation

Perpetual Trustees Australia Limited Home Page

DoCS: about the Department of Community Services

Our Community - Australia's national gateway for community groups and schools

Wesley Creditline - on-line money planner